{"items":["60215e250cd63500187ce144","60215e250cd63500187ce143","60215e250cd63500187ce140"],"styles":{"galleryType":"Columns","groupSize":1,"showArrows":true,"cubeImages":true,"cubeType":"max","cubeRatio":1.7777777777777777,"isVertical":true,"gallerySize":30,"collageAmount":0,"collageDensity":0,"groupTypes":"1","oneRow":false,"imageMargin":5,"galleryMargin":0,"scatter":0,"rotatingScatter":"","chooseBestGroup":true,"smartCrop":false,"hasThumbnails":false,"enableScroll":true,"isGrid":true,"isSlider":false,"isColumns":false,"isSlideshow":false,"cropOnlyFill":false,"fixedColumns":0,"enableInfiniteScroll":true,"isRTL":false,"minItemSize":50,"rotatingGroupTypes":"","rotatingCropRatios":"","columnWidths":"","gallerySliderImageRatio":1.7777777777777777,"numberOfImagesPerRow":3,"numberOfImagesPerCol":1,"groupsPerStrip":0,"borderRadius":0,"boxShadow":0,"gridStyle":0,"mobilePanorama":false,"placeGroupsLtr":true,"viewMode":"preview","thumbnailSpacings":4,"galleryThumbnailsAlignment":"bottom","isMasonry":false,"isAutoSlideshow":false,"slideshowLoop":false,"autoSlideshowInterval":4,"bottomInfoHeight":0,"titlePlacement":["SHOW_ON_THE_RIGHT","SHOW_BELOW"],"galleryTextAlign":"center","scrollSnap":false,"itemClick":"nothing","fullscreen":true,"videoPlay":"hover","scrollAnimation":"NO_EFFECT","slideAnimation":"SCROLL","scrollDirection":0,"scrollDuration":400,"overlayAnimation":"FADE_IN","arrowsPosition":0,"arrowsSize":23,"watermarkOpacity":40,"watermarkSize":40,"useWatermark":true,"watermarkDock":{"top":"auto","left":"auto","right":0,"bottom":0,"transform":"translate3d(0,0,0)"},"loadMoreAmount":"all","defaultShowInfoExpand":1,"allowLinkExpand":true,"expandInfoPosition":0,"allowFullscreenExpand":true,"fullscreenLoop":false,"galleryAlignExpand":"left","addToCartBorderWidth":1,"addToCartButtonText":"","slideshowInfoSize":200,"playButtonForAutoSlideShow":false,"allowSlideshowCounter":false,"hoveringBehaviour":"NEVER_SHOW","thumbnailSize":120,"magicLayoutSeed":1,"imageHoverAnimation":"NO_EFFECT","imagePlacementAnimation":"NO_EFFECT","calculateTextBoxWidthMode":"PERCENT","textBoxHeight":26,"textBoxWidth":200,"textBoxWidthPercent":65,"textImageSpace":10,"textBoxBorderRadius":0,"textBoxBorderWidth":0,"loadMoreButtonText":"","loadMoreButtonBorderWidth":1,"loadMoreButtonBorderRadius":0,"imageInfoType":"ATTACHED_BACKGROUND","itemBorderWidth":0,"itemBorderRadius":0,"itemEnableShadow":false,"itemShadowBlur":20,"itemShadowDirection":135,"itemShadowSize":10,"imageLoadingMode":"BLUR","expandAnimation":"NO_EFFECT","imageQuality":90,"usmToggle":false,"usm_a":0,"usm_r":0,"usm_t":0,"videoSound":false,"videoSpeed":"1","videoLoop":true,"jsonStyleParams":"","gallerySizeType":"px","gallerySizePx":1000,"allowTitle":true,"allowContextMenu":true,"textsHorizontalPadding":-30,"itemBorderColor":{"themeName":"color_12","value":"rgba(230,230,230,0)"},"showVideoPlayButton":true,"galleryLayout":2,"calculateTextBoxHeightMode":"MANUAL","targetItemSize":1000,"selectedLayout":"2|bottom|1|max|true|0|true","layoutsVersion":2,"selectedLayoutV2":2,"isSlideshowFont":true,"externalInfoHeight":26,"externalInfoWidth":0.65},"container":{"width":300,"galleryWidth":305,"galleryHeight":0,"scrollBase":0,"height":null}}
华尔街Fintech俱乐部 第二届“专家面对面”活动圆满成功
5月13日,复友资本联合创始人周谷声先生作为活动赞助人参加了华尔街Fintech俱乐部第二届“与Fintech专家面对面”研讨会。复友资本是Fintech的银牌赞助商,是俱乐部的长期合作伙伴,为Fintech的研究提供了长期的协助和合作。这次研讨会邀请了高盛执行总裁Abhinav Anand和Orchard Platform联合创始人David Snitkof 发表专题为“网络借贷及银行合作”的演讲。

从传统投行看网络借贷
高盛执行总裁Abhinav Anand在活动上讲述了Fintech对现有传统金融市场客户以及产品格局的冲击,Anand先生认为认为新兴行业如Fintech,正在无形中改变着现有金融架构,传统银行必需纵观全局,在管理层面和业务层面进行改制,这样才能在高度竞争的市场里保持立足。目前的传统金融机构会采取两种措施,一种是自主开发在线信贷平台,拓宽现有业务类型,优化客服流程。另一种是和Fitnech初创公司合作,将客户数据和风控模型与优秀的Fintech业务相结合,用新产品来吸引和留住高净值客户。另外,他还讲到传统银行面临的其他挑战,比如新科技,产品创新,人才流动,运营架构和客户服务等等。

利益牵扯的敌友关系 著名网贷服务公司ORCHARD首席分析官、联合创始人David Snitkof先生在本次活动中解释了银行和金融技术公司如何利用彼此的优势和弱点互利互惠,他从不同的角度详细分析了传统银行和Fintech公司的优缺点,比如传统银行,它们的体系复杂,结构冗余,尤其在新产品开发和客户投诉处理方面,与此同时传统银行有足够的人力和财力来应对监管,保持金融市场的稳定和平衡;另一方面,新兴Fintech公司,它们有非常好的客户服务系统,简单实用的信贷平台,它们的产品与信贷市场的需求完美贴合,但是有限的客户量和不完整的风控模型让监管机构始终保持高度谨慎。传统银行和Fintech公司的关系亦敌亦友应该通过合作来互利互惠。

David和Abhinav认为科技可以从不同的方向改变金融市场的格局,一方面,客户数据的复杂性和混乱性有着无限的潜在价值,随着数据模型的不断进步,更多的有价值信息会被发掘出来,另一方面,实时交易数据的信息抓取及分析能力,也是增强竞争力的关键。